Flat monthly membership

Virtual primary care for working Americans — one flat monthly fee, no copays, no deductibles.

For the uninsured, the self-employed, and anyone on a high-deductible plan — one predictable bill for the day-to-day care you actually use.

Who it’s for

Built for the working-American gap.

  • Uninsured

    A real alternative to paying cash every time you walk in — virtual primary care, urgent sick visits, refills, and routine labs on one monthly bill.

  • Self-employed

    Built for the 1099 crowd — freelancers and sole proprietors who want meaningful coverage without a group-health quote, and HSA-ready when the regulatory pathway opens in 2026.

  • High-deductible

    Keep your Bronze or HDHP for the rare big event. Use the membership for the 90% of care that doesn’t need a hospital — your deductible stays intact until it really counts.

What’s covered

One bundle. Eight ways it shows up.

Telehealth, mental health, dental and vision savings, prescriptions, labs, and care navigation land in one monthly fee — delivered through a nationwide network of providers at member rates.

  • Virtual primary care — for adult members, 8am to 8pm local, 7 days a week (excluding holidays)
  • Urgent care — 24/7/365 by phone or video; non-emergency only; for true emergencies call 911
  • Mental wellness — therapy 7am to 10pm local (video-only in Colorado and North Carolina); psychiatry for members 14 and older
  • Dental + vision savings — nationwide network for checkups, cleanings, fillings, crowns, orthodontics, exams, contacts, frames, lens enhancements, and LASIK
  • Teledentistry — 24/7/365 non-emergency dental questions and triage; non-DEA medication may be included, prescriptions not guaranteed
  • Prescriptions + home delivery — generic routing, refills, and mail-order delivery
  • Discount labs — routine panels bundled; cash-price routing for add-ons
  • Care navigation via your AI navigator — decides ER, urgent care, or same-day visit

Not included

  • Radiology and specialty cash-pay are not bundled — available à la carte at member rates when needed See current radiology cash prices →
  • Catastrophic insurance and hospitalization are not bundled — handled by a separate wraparound or HDHP plan
  • In-person acute emergencies are not bundled — your AI navigator routes you to the right setting, and the wraparound picks up the bill
  • Controlled substances are not prescribed through virtual primary care, urgent care, teledentistry, or psychiatry — your Blue Line Health care team coordinates any in-network referral that is clinically warranted

Urgent care

On-demand phone or video visits, 24/7/365.

Non-emergency urgent issues handled the day they come up — sinus, ear, urinary, sprains, rashes, minor infections. For true emergencies, your Blue Line Health care team directs you to 911 or the nearest ER.

For true emergencies, call 911 or go to the nearest emergency room. The urgent-care lane is staffed for non-emergency issues only.

What the urgent care lane covers

Negotiated pricing and clinical decision-making — coordinated by your Blue Line Health care team across the rest of the membership record.

  • On-demand phone or video visits — no appointment required
  • Common urgent issues: sinus, ear, urinary, sprains, rashes, minor infections
  • Clinically appropriate non-DEA medication when it fits the situation
  • Notes flow back to your dedicated virtual primary-care physician
  • Hands-on follow-up coordinated when an urgent visit needs the next step

Ready when you are

When something urgent hits, your membership already covers it.

Urgent care and the rest of the membership and the rest of the membership ship together — one predictable monthly bill, every visit covered, no separate enrollment to chase downstream.

Prescriptions + home delivery

Transparent cash pricing, plus mail-order delivery.

Generic routing when clinically appropriate, refill coordination, and 365-day mail-order delivery on maintenance medications. Your care team handles prior authorization and dose changes in the background.

What the prescriptions + home delivery lane covers

Negotiated pricing and clinical decision-making — coordinated by your Blue Line Health care team across the rest of the membership record.

  • Generic routing and substitution, weighed against clinical need
  • Transparent cash pricing surfaced alongside your insurance copay
  • Prior-authorization coordination handled in the background
  • 365-day mail-order delivery on maintenance medications
  • Address, dose, and frequency updates run by your care team

Ready when you are

A membership that ships your medications and knows your refills.

Prescriptions + home delivery and the rest of the membership and the rest of the membership ship together — one predictable monthly bill, every visit covered, no separate enrollment to chase downstream.

Six more lanes, one membership

The rest of the bundle, scannable.

Mental wellness, dental and vision savings, teledentistry, discount labs, and AI navigator routing — bundled alongside virtual primary care and urgent care on a single monthly bill.

Mental wellness

Therapy and psychiatry, scheduled around your week.
Therapy for everyday concerns — anxiety, stress, sleep, life transitions — plus psychiatric evaluation and medication management for members 14 and older. 988-transfer crisis protocol.

Dental savings

Nationwide dental network, priced for members.
Routine checkups, cleanings, fillings, crowns, root canals, orthodontics — all routed through a nationwide dental network at negotiated member rates.

Vision savings

Nationwide optical network, member-priced.
Eye exams, contacts, frames, lens enhancements, and LASIK — delivered through a nationwide optical network at member pricing.

Teledentistry

24/7 dental questions, triaged by phone or video.
Non-emergency dental questions handled any time of day — guidance, triage, and clinically appropriate non-DEA medication when it fits. Prescriptions are not guaranteed.

Discount labs

Routine panel pricing, bundled in the membership.
Routine panels bundled at member rates, plus cash-price routing when you need an add-on. Radiology and specialty imaging remain à la carte and were never bundled.

Care navigation

Your AI navigator routes the right setting first.
Decides between ER, urgent care, and a same-day virtual visit before you book — and follows up across the membership record so the next step is always animated.

Pricing

Three bundles. One simple promise.

Pick the tier that fits today — every bundle ships with the same perks and the same clear exclusions.

Individual
Just you — one predictable monthly bill, every visit covered.
$60/month
Family
Most members
Cover the whole crew — spouse and adult dependents welcome. Virtual primary care is adult-only; psychiatry is for members 14+. Children in a Family plan are enrolled but virtual primary-care and psychiatry services can only be used by qualifying age groups within the plan.
$60 starting/month
Small business
A real benefit for your crew — flat per head, no claims hassle.
$20/employee

Looking for cancellation policy, HSA notes, or a side-by-side read of every line item? The full pricing page has the lot.

See full pricing

Coming soon · add-on

Add catastrophic coverage to your membership.

Hospitalization, ER routing, and surgery coordination layered on top of an Individual membership. We’re not quoting yet — this is a placeholder interest list for when our carrier partnership is in place. Not a regulated insurance product.

Join

Ready when you are.

One flat monthly bill, every visit covered, no claims chase.